State credit union · Austin, Texas · NCUA charter #67537
LCRA
Health score 69/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 69
- Health / 100
- $20.9M
- Total assets
- 2,086
- Members
- 15.7%
- Net-worth ratio
LCRA scores 69/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $20.9M; members 2,086; net-worth ratio 15.71%; health rank #3,643 of 4,374; healthier than 16th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,643 of 4,374 health · 2025Q4LCRA · health 69/100 · $20.9M · 2025Q4
Call Report peers
LCRA in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
LCRA vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); LCRA sits in 65-69 with 275 others.
69 16th percentile higher than 16% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where LCRA diverges from peer averages
- Net Worth Ratio leads the peer set - 15.71% here, 14.86% peer average (+0.85 pp).
- Largest lag: Loan-to-Share Ratio at 45.32% vs peer 59.80% (-14.48 pp).
LCRA: in-state Call Report ranks
- Health composite ranks #320 of 386 among scored Texas credit unions.
- Assets rank #253 of 386 inside Texas ($20.9M reported).
- Texas membership ordinal: #251 of 386.
- One place up in Texas, Littlefield School Employees (#319) ties at 69/100; one place down, TEXSTAR (#321) ties at 69/100.
LCRA Call Report trajectory
LCRA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.9% from $20.9M (2025Q4) to $20.7M (2026Q1).
- Net-worth ratio shifted +0.19 pp (15.52% → 15.71%).
15.71% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 69/100 score is built
LCRA gives up 31 points in total. Delinquency Rate costs the most, 13.1 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.9 pts
- Return on Assets 14.5 pts
- Member Growth 2.9 pts
- Loan-to-Share Ratio 9.7 pts
LCRA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.71% | +0.85 pp |
| Delinquency Rate | 2.10% | +0.95 pp |
| Return on Assets | 0.47% | -0.24 pp |
| Member Growth | -3.38% | - |
| Loan-to-Share Ratio | 45.32% | -14.48 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $20.7M | - |
| 2025Q4 | $20.9M | 2,086 |
| 2024Q4 | $21.2M | 2,159 |
| 2023Q4 | $22.3M | 2,326 |
Credit Union Details
- Charter Number
- 67537
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Texas
- City
- Austin
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, LCRA runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| SOC (Main Office) | Austin, TX |
| EMF | La Grange, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
A look at other Texas credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near LCRA
Using this data
- LCRA ranks #3,643 of 4,374 nationally on financial health and #320 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- TEXSTAR is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with TEXSTAR
Frequently Asked Questions
Is LCRA financially healthy?
LCRA has a financial health score of 69/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,643 of 4,374 nationally on health and #320 of 386 in Texas. Its net worth ratio is 15.71% and its delinquency rate 2.10%.
How does LCRA compare to other credit unions?
LCRA scores 69/100, higher than 16% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is net worth ratio (15.71% vs 14.86%). Its widest shortfall is loan-to-share ratio (45.32% vs 59.80%).
How can I join LCRA?
Membership eligibility for LCRA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact LCRA directly for current membership requirements and application steps.
Is my money safe at LCRA?
LCRA is a state-chartered credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. LCRA's net worth ratio of 15.71% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.